Stock PAG PARAGON BANKING GROUP PLC
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Financials Paragon Banking Group PLC

Equities

PAG

GB00B2NGPM57

Banks

Market Closed - London S.E.
Other stock markets
 11:35:01 2024-06-07 am EDT 		5-day change 1st Jan Change
747.5 GBX -1.12% Intraday chart for Paragon Banking Group PLC -2.22% +7.17%
Jun. 06 Royal Bank of Canada Raises Paragon Banking PT, Keeps at Outperform MT
Jun. 06 JPMorgan likes DCC; RBC likes Paragon Banking AN

Valuation

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,225 846.8 1,350 922.9 1,055 1,552 - -
Enterprise Value (EV) 1 1,225 846.8 1,350 922.9 1,055 1,552 1,552 1,552
P/E ratio 10 x 9.35 x 8.66 x 3.14 x 7.42 x 8.87 x 8.2 x 7.52 x
Yield 4.39% 4.32% 4.78% 7.24% 7.6% 5.2% 5.46% 5.88%
Capitalization / Revenue 3.98 x 2.87 x 4.15 x 2.35 x 2.26 x 3.22 x 3.2 x 3.11 x
EV / Revenue 3.98 x 2.87 x 4.15 x 2.35 x 2.26 x 3.22 x 3.2 x 3.11 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.12 x 0.73 x 1.08 x 0.65 x 0.81 x 1.07 x 1 x 0.94 x
Nbr of stocks (in thousands) 253,837 254,292 247,404 233,753 214,440 207,680 - -
Reference price 2 4.824 3.330 5.455 3.948 4.920 7.475 7.475 7.475
Announcement Date 11/26/19 12/3/20 12/7/21 12/6/22 12/6/23 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 307.3 295.1 324.9 393 466 482.2 484.6 499.6
EBITDA - - - - - - - -
EBIT 1 164.4 120 194.2 226 277.6 296.8 291.3 296.3
Operating Margin 53.5% 40.66% 59.77% 57.51% 59.57% 61.55% 60.12% 59.31%
Earnings before Tax (EBT) 1 159 118.4 213.7 417.9 199.9 238.2 248.7 256.8
Net income 1 127.4 91.3 164.5 313.6 153.9 176.3 181.8 187.7
Net margin 41.46% 30.94% 50.63% 79.8% 33.03% 36.56% 37.53% 37.58%
EPS 2 0.4820 0.3560 0.6300 1.259 0.6630 0.8432 0.9121 0.9939
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.2120 0.1440 0.2610 0.2860 0.3740 0.3889 0.4079 0.4398
Announcement Date 11/26/19 12/3/20 12/7/21 12/6/22 12/6/23 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: September 2021 S1 2022 S1 2023 S1
Net sales - 181.7 -
EBITDA - - -
EBIT 88.9 106.8 -
Operating Margin - 58.78% -
Earnings before Tax (EBT) 96.4 143.6 -
Net income 1 74.2 109.1 37.9
Net margin - 60.04% -
EPS 2 - - 0.1570
Dividend per Share - - -
Announcement Date 6/8/21 6/14/22 4/30/23
1GBP in Million2GBP
Estimates

Balance Sheet Analysis

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 11.7% 8.2% 12.5% 12.8% 15.5% 14.5% 14.1% 13.8%
ROA (Net income/ Total Assets) 0.88% 0.62% 0.98% 1.07% 1.25% 1.01% 1.01% 1.05%
Assets 1 14,441 14,726 16,858 29,391 12,345 17,542 18,094 17,879
Book Value Per Share 2 4.320 4.570 5.030 6.060 6.080 6.960 7.440 7.980
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 11/26/19 12/3/20 12/7/21 12/6/22 12/6/23 - - -
1GBP in Million2GBP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Paragon Banking Group PLC

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
10
Last Close Price
7.475 GBP
Average target price
7.914 GBP
Spread / Average Target
+5.87%
Consensus

EPS Revisions

Estimates Revisions

Annual profits - Rate of surprise

Company calendar

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Retail & Mortgage Banks
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